Dealing with debt is difficult enough. If you do not identify your options then your situation is far worse. In addition, you have to be cautious of bad advice – advice based on a company's income not your finances. It is easy to see why so many people get confused.

What you require most is accurate independent advice at no cost to yourself. Reduce my debts reviews all of your finances with you in mind, establishing exactly where you and your finances are. Only then do we suggest the best solution with no obligation.

For small amount of debts, we can help with budgeting advice or informal arrangements (Debt management program) with your creditors. From time to time we may recommend a consolidation loan or new mortgage but only if this is the right solution for you.

For debts more than £20,000 when you are employed, an Individual Voluntary Arrangement (IVA) is often the best answer. Call us to find out more.